The agreement between you and us.

Project Optional is a subscription-based web application that helps you model when your investments could support your desired lifestyle, and how life changes (sabbaticals, part-time work, home sales, and similar) might affect that timeline. We refer to the application, our website at projectoptional.com, and any related services as the “Service.”

Project Optional is a modeling tool, not a financial advisor, tax advisor, attorney, broker, or investment adviser. We are not licensed to provide any of those services and we are not providing any of those services to you.

Every projection, scenario, and number the Service produces is an educational estimate based on the information you enter and the assumptions documented at /methodology. Real markets do not return a smooth rate every year. Real spending does not stay flat. Real lives include events no calculator predicts.

You are solely responsible for your financial decisions. Do not use the Service as a substitute for consulting a licensed financial planner, tax professional, attorney, or investment adviser, particularly before making any significant, irreversible, or leveraged financial decision.

You must be at least 18 years old and legally able to enter into a binding contract in your jurisdiction to use the Service. The Service is not directed at children under 18.

You must provide accurate account information and keep your login credentials confidential. You are responsible for all activity that occurs under your account. Notify us promptly at hello@competitivebearings.com if you suspect any unauthorized use of your account.

Project Optional is a paid subscription service. Current plans are shown at projectoptional.com. By starting a subscription, you authorize us and our payment processor (Stripe) to charge your payment method on a recurring basis for the plan you selected, until you cancel.

Prices are in United States dollars unless otherwise indicated. We may change our prices from time to time; existing subscribers will be notified in advance and the new price will take effect on the next renewal after the notice period.

All amounts are exclusive of taxes. You are responsible for any applicable sales, use, VAT, or similar taxes. Where required, we may collect and remit these on your behalf.

Subscriptions renew automatically at the end of each billing period at the then-current price, using the payment method on file, unless you cancel before the renewal date.

You can cancel at any time from your profile page or by emailing hello@competitivebearings.com. Cancellation stops future renewals; it does not entitle you to a partial refund for the current period unless the refund provisions below apply.

You may cancel your subscription at any time from your profile page. Cancellation stops future renewals; your access continues through the end of the billing period you have already paid for.

All fees are non-refundable, including partial months or years, except where a refund is required by applicable law. If a charge is billed incorrectly or in error, email us at hello@competitivebearings.com and we will investigate.

You retain all rights to the financial information you enter into the Service (“Your Data”). We do not sell Your Data. We do not use Your Data to train machine learning models. We use Your Data only to operate the Service for you and as described in our Privacy Policy.

You are responsible for the accuracy of Your Data. Because the Service’s output depends entirely on what you enter, incorrect inputs will produce incorrect projections.

You agree not to:

• Reverse engineer, decompile, or attempt to derive source code from the Service.
• Use automated means to scrape, crawl, or extract data from the Service.
• Circumvent our access controls, rate limits, or subscription requirements, or share your account credentials with anyone else.
• Use the Service to violate any law or infringe anyone’s rights.
• Upload malware, attempt to disrupt the Service, or interfere with anyone else’s use of it.

We may suspend or terminate accounts that violate these rules, with or without notice, and refunds may be withheld in cases of material violation.

The Service, including its design, code, calculations engine, copy, images, and mark (“the Content and Marks”), is owned by Competitive Bearings LLC and protected by copyright, trademark, and other laws. You are granted a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal financial planning purposes while your subscription is active. Nothing in these terms transfers ownership of the Content and Marks to you.

The Service relies on third-party providers to operate. As of the effective date, those include:

• Supabase — account authentication and data storage.
• Vercel — hosting and content delivery.
• Stripe — payment processing. Stripe collects and processes card details directly; we never see or store your full card number.

Their availability affects ours. Their terms and privacy policies also apply to their handling of your information; see our Privacy Policy for detail.

We are actively developing Project Optional. Features may be added, changed, or removed at any time. Material changes that reduce functionality you rely on will, where practical, be communicated in advance.

You can cancel your subscription and delete your account at any time from your profile page. On deletion, we remove your plan, accounts, scenarios, and votes from our production database (see the Privacy Policy for backup-retention specifics).

We may suspend or terminate your account for material violation of these terms, non-payment, or if we reasonably believe your use exposes us or other users to legal, financial, or security risk.

The Service is provided “as is” and “as available,” without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or produce accurate projections.

To the maximum extent permitted by law, Competitive Bearings LLC, its officers, members, employees, and agents will not be liable to you for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or use, arising out of or in connection with your use of the Service, whether based in contract, tort, strict liability, or any other theory, even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for all claims arising out of or relating to the Service will not exceed the greater of (a) the amount you paid us for the Service in the 12 months preceding the event giving rise to the claim, or (b) fifty United States dollars ($50).

You will indemnify, defend, and hold harmless Competitive Bearings LLC and its officers, members, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with (a) your use of the Service, (b) your violation of these terms, (c) your violation of any law or the rights of any third party, or (d) any financial or other decisions you make based on the Service’s output.

These terms are governed by the laws of the State of North Carolina, without regard to conflict-of-laws principles. The exclusive venue for any dispute not subject to arbitration is the state and federal courts located in Wake County, North Carolina, and you consent to personal jurisdiction there.

Binding arbitration. Any dispute arising out of or relating to these terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. Arbitration will take place in Wake County, North Carolina, or by video where the AAA rules allow. Judgment on any award may be entered in any court of competent jurisdiction.

Class-action waiver. You and we agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. If a court finds this waiver unenforceable, the arbitration requirement above will not apply to that claim, and the claim will proceed in the courts specified above.

You may opt out of arbitration and the class-action waiver by emailing hello@competitivebearings.com within 30 days of first accepting these terms. Include your account email and the words “Opt out of arbitration” in the subject.

We may update these terms occasionally. When we do, we’ll update the effective date at the top and, for material changes, notify you by email or in-app. Continued use of the Service after the change constitutes acceptance of the new terms.

These terms are the entire agreement between you and us regarding the Service. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce a right is not a waiver of that right. You may not assign these terms without our prior written consent; we may assign them freely.

Competitive Bearings LLC
Email: hello@competitivebearings.com